Share Accounts (Savings) $100.00 minimum balance required to open Must maintain $100.00 balance to obtain interest Unlimited number of deposits or withdrawals Quarterly statements Share Draft Accounts (Checking) No monthly service fee No minimum balance required Free first order of fifty checks Interest paid on balances over $100.00 Overdraft protection options available Monthly statements Super Saver Account $300.00 minimum balance required to open Must maintain $300.00 balance to obtain interest $300.00 minimum per deposit or withdrawal No withdrawal or service fees Unlimited number of withdrawals Quarterly statements Share Certificates (Certificates of Deposit) Minimum balance requirements to open Various deposit periods available Interest is paid upon maturity of certificate Early withdrawal interest penalty Quarterly statements Christmas Club Account $20.00 minimum balance required to open Interest paid upon maturity No withdrawals Early withdrawal interest penalty Automatic annual maturity transfer to Shares Account Quarterly statements Holiday Club Account $25.00 minimum balance required to open Interest paid upon maturity No withdrawals Early withdrawal interest penalty Automatic semiannual maturity transfer to Shares Account Quarterly statements VISA Credit Card Competitive interest rate Accepted wherever the VISA logo is displayed Payments accepted at credit union Monthly statements